Discover how to "front-load" your investments so you can stop saving for retirement at age 40 and coast into a three-day workweek. We break down extreme "scorched earth" strategies for high earners, including how a plastic surgeon cleared nearly $600,000 of non-mortgage debt in under 18 months. Finally, learn why high-net-worth retirees must treat spending as a "muscle" to overcome the psychological paralysis of saving.